Hello!!
What exactly is gardening? I searched it but only came up with people saying they were gardening, but no real explantion of it.
Also, I am fairly certain I understand what goodwill letters are, but if anyone has examples of them and how to get the address, email, etc to send them? My issues are a four or five years old, but that seven year rule is taking way too long and is really a burden on my report.
I have a couple of charge offs, one disputed collection that I have paid off, and a 120 day late that I want to send a goodwill letter to. NEVER KNOW!
Thank you in advance, and excuse my ignorance 
-Doug
Gardening is not applying for new credit and allowing you current cards to age while making ontime payments. Correct me if I'm wrong.
Starting Score: 433OK thanks. I have WAY too many inquires (10-15) because I just learned about a year ago what those meant and how long they were on your report. TIme to garden.